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So....In answer to the question "what is considered a metric arse-load of cash?" I am assuming that $400 is perhaps 3 or 4 metric arse loads. Sound about right? (couldn't help myself)
Although it is more expensive that what you are hoping to spend Harbor Freight actually carries (online, I don't know about their brick and mortar store) industrial strength sewing machines. If you are planning to do some heavy-duty sewing this may be a worthwhile investment. Otherwise a normal sewing machine will do just fine.

I bought a Brothers from wally world for $114.00. Works great, has 25 different stitches (only need 2). It has a needle threader which I like alot. Inst. manual is user friendly. Only feature I wish it had that it doesn't is auto thread tensioning. Also, ensure the sewing light is good and bright. I use additional light, but that is a preference, not a requirement. BEWARE, DIY gear is hikers crack!!!

Just won the auction for a Singer model 6233 off ebay. Seller has a 99.8 positive feedback on over 1500 transactions. He specializes in Sewing machine products/accessories. Description says the machine was recently serviced, and all features are in working order. Described the machine as "Nice" I've had good luck with other transactions on ebay, so I'm keeping my fingers crossed that this will turn out well also. Winning bid was $64.

I have a 500 series Singer from the 50's. Works like a camp. It has something like 50 different stitches. I think I have used forward and reverse. Really that's all you need. Zig-Zag is just helpful sometimes, although I haven't used one lately.

Is that too much to ask? Girls with frikkin' lasers on their heads?
The hanger formly known as "hammock engineer".